Date Received: 2022-01-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. APPLE CARD - GS BANK ***** Opened XXXX XXXX, 2020 Balance {$2100.00} APPLE CARD - GS BANK Number XXXX Opened XXXX XXXX, 2020 Balance {$2100.00} GS BANK USA *XXXX Opened XXXX XXXX, 2020 Balance {$2100.00}
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a watch purchase that I never received. Item was returned to sender and sender ( XXXX ) issued a refund. Refund was not issued by the credit card company Apple Card ( Goldman Sachs ). They keep charging me for a refund they received on their end.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been charged from the same merchant every month a transaction for XXXX. The first transaction was on XX/XX/2021. I reach out to Goldman Sachs and they suggested contacting the merchant, which I did, with no answer. They proceeded to initiate a dispute and suggested obtaining a new credit card number, something I did. The next month I received the same non-authorized charge even though I changed my card number ( and, obviously did not provide it to the fraudulent merchant ) and explicitly told the bank I did not authorize any charge from that business. I had to file a new dispute and change my card number again. Ever since I receive the same fraudulent card from the same business, I have reached out to Goldman Sachs every time that this happens, but they haven't been able or willing to solve my issue. The last time I contacted them was on XX/XX/2021, the customer service representative was extremely rude, and did not address the issue. Today, I received another unauthorized charge, been this month the 10th time I received a non-authorized charge from the same business, after following the bank instructions, including changing my card number multiple times.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is a complaint following my previous complaint number XXXX file through this portal. The bank closed the complaint and I do not agree. First I never bought 2 devices, it was only 1 XXXX XXXX XXXXXXXX XXXX second : the investigation provided was very vague and not reliable information third : they are still overcharging me $ {$14.00} and I never made huge payments during XXXX or XX/XX/XXXX : they are not separating the credit card payments from the installment payments. why : If I made installments with the XXXX and started to pay the 1st installment as the bank says : here is my explanation of payments. As the bank says I financed an XXXX XXXX XXXX XXXX on XX/XX/2021 On XX/XX/XXXX XXXX the taxes of the phone for {$100.00} If they keep saying that I never started to pay the installments until XX/XX/2021, I want to clarify this and I will stand my claim with the bank statements I have plus the XXXX statements. Payments were made like this towards the installment for 2021 XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : 2 payments were made towards th installment : one payment of {$54.00} plus one payment of {$500.00} = {$550.00} ( total to the phone ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means I have paid the total amount of : {$54.00} x 7 = {$370.00} + $ XXXX {$930.00} If I financed the total of {$1200.00} and I have paid {$930.00}, that means that to be able to complete my entire payments to pay off the phone I need {$360.00} If the payment for XXXX installment is on XX/XX/XXXX. that means on today 's date I only owe # XXXX to pay off the phone, however on the installments says that I have a total remaining of {$380.00} which is still not true. and I want this to be fixed right away.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Apple Card/ Goldman Sachs continuously performs adverse actions against me the consumer. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Apple Card/ Goldman Sachs has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance payment online, initially my payment was accepted. Apple Card/ Goldman Sachs then reversed the payment after many days. I spoke with a couple representatives and reminded them of their fiduciary duty to transfer the debt. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later Apple Card/ Goldman Sachs reversed the charges once more. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against Apple Card/ Goldman Sachs for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance payment or the original security contract deposited for bailment purposes.
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: When applying for an Apple card, they won't accept a valid and current U.S. passport ( or a military id ), which is the most accepted form of identification in the world. I'm sorry, I didn't fake my passport somehow.
Company Response:
State: MO
Zip: 652XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: When applying for an Apple card, they won't accept a valid and current U.S. passport ( or a military id ), which is the most accepted form of identification in the world. I'm sorry, I didn't fake my passport somehow.
Company Response:
State: MO
Zip: 652XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Apple credit card continues to insist in reporting the credit card as a charged off even though the credit card was not included in my bankruptcy and even though the credit card had no balance owed at the time of me filing for bankruptcy. And I have the discharge papers where it shows which where the credit card that were charged off and apple card was not one of them. I file a claim and they are insisting in reporting card as a charged off through bankruptcy.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My time with Apple Card has totally sucked so far except for 1 or 2 good customer support agents. The story starts back at the end of XXXX someone tried to use my card number online for 5 different purchases $ XXXX but only one went through. I immediately disputed it through the chat system and went on my merry way. At the end of XXXX, I was contacted that XXXX had sent proof and the dispute was getting closed against me. I called support and asked what proof they had, and the swore up and down that the had emailed me all of the documents ( Checked every email account they had not ). They asked if I knew the person who used my card ( I don't ) or if I lived near the delivery address which was in PA ( I live in FL ). The agent encouraged me to reach out to the person who used my credit card and ask them about it ( Isn't that supposed to be the banks job? ) and ask XXXX for more information on the transaction. The agent was surprised to hear that no one had given me a call to further investigate the fraud or ask me any questions at all. The agent said he put a complaint in for a supervisor to call me and said they would reopen the dispute. Funny enough 2-3 weeks after this call I received a letter in the mail full of the " proof '' that XXXX had sent over. This proof included a shipping slip showing not my name, not my state, not my phone number, and not my email. It did show all of these details of the supposed fraudulent order. Since Goldman Sachs had encouraged me to reach out to these individuals I went ahead and did so. The lady on the other end of the line had recently ( about 2 weeks before my card was used ) had her purse and phone stolen and had an ongoing police investigation. They knew nothing about my card being used which showed that Goldman Sachs had failed to track down the easiest lead in this whole dispute. Fast forward to this month, they are now asking for proof to continue the dispute investigation. Proof of what? I did not order these items, they were not shipped to me, neither my phone number nor email address was used, how can I prove that I did not have the item? So, I called up support, the first lady that talked to me had asked if I had pursued XXXX for more information on the order. Of course not, I did not have the order number for the order and what was I going to do when they asked if I was the person that ordered the item? Do I lie and say that I am that person which is not only wrong but probably illegal and if I say I am not they will stop the conversation right there? So, I asked her if it was customary for customers to have to do the investigation work... she had no response. She said she would bring a supervisor on, I was left on hold for 15 minutes then the call dropped, and I got no follow-up from her or the supervisor. I decided to call back about an hour after and got on the phone with another support agent and they were wonderful. They clearly addressed my concerns told me to upload a pdf saying that I don't recognize this charge as my proof and expressed concern in my prior calls. When I asked her why previous agents had told me to look into the transactions on my own and contact vendors/ fraudulent users she expressed concern and stated that that was not a course of action recommended and she submitted a complaint regarding these details. She also noted that the supervisor complaint placed 2 months ago ( XXXX call ) had not been followed up on yet.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Ive attempted, on multiple occasions ( most recently today XX/XX/22 ), to use Apple Pay to make large purchases online at merchants which accept Apple Pay on their websites. I regularly receive payment not completed errors when attempting to process large transactions online using Apple Pay. When reaching out to Apple/Goldman Sachs they typically recommend using a different payment method ( the actual card info ), however, if that method is used, the purchase no longer qualifies for the 2 % cash back and is only eligible for 1 %. I believe this is likely a systemic issue many Apple Card users are experiencing which prevents them from using the best form of payment on their largest transactions. This is an unfair business practice potentially affecting a significant number of consumers. Please do not hesitate to contact me if you have any comments or questions regarding this complaint.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A